Waste Equipment Financing for Garbage Trucks, Roll-Offs & Refuse Fleets
Need financing for waste and refuse equipment? TopMark Funding® offers flexible loans, leases, and EFAs for garbage trucks, roll-off trucks, dumpsters, front loaders, side loaders, rear loaders, and vacuum trucks. We help waste haulers, junk removal businesses, and municipal fleets get approved fast with no hard credit inquiries.
$700 MM +
Equipment Funded By TopMark Funding
100 +
Expert Team Members Ready to Help
11.5K +
Businesses Funded & Growing!
50 +
Funding Programs to Meet Your Needs
Fast, Flexible Financing with Competitive Rates for Waste Equipment Fleets
Financing Programs Built for Garbage Trucks, Roll-Off Fleets, and Waste Management Businesses
Financing waste and refuse equipment can be challenging, especially with the high cost of garbage trucks, roll-off trucks, dumpsters, and other hauling equipment. TopMark Funding® makes the process simple with flexible loans, leases, and EFAs designed specifically for waste management companies, junk removal businesses, hauling contractors, and municipal fleets.
Whether you’re adding a new front loader, replacing an aging rear loader, upgrading to a larger roll-off, or expanding your dumpster inventory, we offer competitive rates and customized terms that support your cash flow and business goals. You can buy new or used waste equipment from any dealer or private seller nationwide and get approved quickly through our soft credit inquiry process — no impact on your personal or business credit score.
With fast approvals, flexible structures, and industry-specific programs, TopMark Funding® helps you grow your fleet, improve route efficiency, and keep your waste operations running smoothly. Get pre-approved today and secure the equipment you need to stay ahead of demand.
Get pre-approved in minutes. Guaranteed no hard inquiries. 100% no negative impact on your personal or business credit.
When you’re pre-approved by TopMark Funding, your pre-approval is good for 60 days. No additional credit checks.
Waste equipment financing made easy! We’ve created a quick and easy approval process and super-fast funding!
#1 rated waste equipment financing company by drivers like you. Client satisfaction is our top priority! Your success is our success.
We have a great waste equipment financing program for startups with great credit. No money down, flexible terms, and great rates
We can finance any make or model of garbage truck, roll-off truck, front loader, rear loader, vacuum truck, and more.
Trusted By Business Owners Like You
Real Customers. Real Growth. Real Reviews.
At TopMark Funding your satisfaction is our top priority. With decades of waste equipment experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.
Types of Waste Equipment Financing Options
Flexible Programs Built Around Your Business Needs
Choosing the right waste equipment financing program can have a major impact on your monthly payments, cash flow, and long-term profitability. At TopMark Funding®, we offer flexible loans, leasing options, and lease-to-own programs for garbage trucks, roll-off trucks, front loaders, rear loaders, vacuum trucks, and dumpster haulers — tailored to your business goals whether you’re a small hauling company, a growing refuse fleet, or a waste management operation expanding its services.
Equipment Finance Agreement (EFA)
Own Your Garbage Truck, Roll-Off, or Waste Vehicle with Fixed Monthly Payments
An Equipment Finance Agreement (EFA) gives you the ownership advantages of a loan with the straightforward structure of a lease. You make fixed monthly payments and own the waste equipment once the final payment is made, with no large end-of-term buyout.
EFAs are ideal for waste management companies, roll-off haulers, garbage truck fleets, junk removal businesses, and municipal operations that want predictable costs, simple terms, and the ability to claim interest and depreciation benefits. With fast approvals and no hard credit inquiries, TopMark Funding® makes EFAs a smart, hassle-free option for long-term waste equipment ownership.
With TopMark Funding, owning your waste equipment is easier than ever. Get pre-approved in minutes.
Waste Equipment Leases
Leasing Made Simple—Flexible, Affordable, and Hassle-Free
A waste equipment lease offers a lower upfront cost and often a lower monthly payment compared to a traditional equipment loan. Leasing is ideal if you want to upgrade your garbage trucks, roll-off trucks, front loaders, rear loaders, or vacuum trucks every few years, or keep newer equipment in your fleet without long-term ownership costs.
TopMark Funding® offers multiple lease structures, including FMV leases and TRAC leases, giving you flexibility, mileage and usage options, and potential tax advantages while helping you preserve cash flow and keep your waste operations running smoothly.
Keep your fleet moving with flexible lease terms, low upfront costs, and fast approvals — get pre-approved today and upgrade your waste equipment with confidence.
Waste Equipment Loans
Own Your Waste Fleet Vehicle and Build Long-Term Equity Over Time
A waste equipment loan is the best option if you want to own your garbage truck, roll-off truck, front loader, rear loader, vacuum truck, or dumpster hauler outright once your payments are complete. With fixed monthly payments and flexible terms, TopMark Funding® makes it easy to finance new or used waste equipment from any dealership or private seller.
You’ll build equity over time and may qualify for tax deductions on depreciation and interest. Our team helps you secure competitive rates and fast approvals — so you can expand your waste fleet quickly and keep your routes running efficiently.
Take control of your fleet’s growth — get pre-approved for a waste equipment loan today and start building long-term equity in your equipment.
Our Simple 4-Step Waste Equipment Financing Process
We’ve streamlined equipment financing so you can get approved quickly and start earning revenue with your new equipment.
-
Step 1: Get Pre-Approved
Complete our quick and easy online application or call (866) 627-6644. We’ll ask about your business, credit situation, and the equipment you need. We use only a soft credit inquiry that has zero impact on your credit score – guaranteed.
⏱ Application 2-5 minutes | 💳 Zero credit impact | 📱 Online or phone
-
Step 2: Speak With Your Account Executive
A dedicated financing specialist reviews your application and contacts you within a few hours or less. They’ll discuss your financing options (EFA, lease, loan), provide rate ranges, and answer questions. Your pre-approval is valid for up to 60 days with no additional credit checks.
⏱ Fast response time | ✓ 60-day pre-approval | 👤 Dedicated support
-
Step 3: Find Your Equipment and Submit Documents
Shop for up to 60 days at any dealership or private seller. When you find your equipment, submit the required documents (we may not need all of these depending on the program you qualify for): tax returns, bank statements, driver’s license, insurance, etc… Your account executive will guide you through exactly what’s needed.
🤏 Minimal documents | 🚛 Any dealer/seller | 📤 Electronic submission
-
Step 4: Sign and Get Funded
Review your financing contract with all terms clearly disclosed. Sign electronically, and we’ll fund your equipment as soon as possible! We coordinate payment directly with your dealer or seller so you can hit the road fast.
⏱ Fast funding | 📝 E-signature accepted | 🎯 Quick & easy process
-
Why Choose TopMark Funding?
✅ Soft credit inquiry only (no impact to credit score)
✅ 60-day pre-approval window (not 30 days like competitors)
✅ Finance from any dealer or private seller nationwide
✅ Pre-approval up to $250k for qualified applicants
✅ Dedicated specialist (not a call center)
✅ Fast funding after signed documents
-
Get Pre-Approved Today!
Start your commercial vehicle financing with zero credit impact. Know what you qualify for before you shop.
Get Pre-Approved Now or Call: (866) 627-6644
Pre-approval valid for up to 60 days | Application takes 5 minutes or less | No hard inquiries guaranteed
Trusted by Business Owners Nationwide
Real Reviews from Owner-Operators and Fleet Owners Just Like You
At TopMark Funding your satisfaction is our top priority. With decades of commercial vehicle experience, we know how important it is to deliver a great customer experience. Check out our reviews from our amazing customers.
Transport Vehicle Financing FAQ
-
What types of waste and refuse equipment can I finance?
-
How much down payment do I need for waste equipment financing?
-
Can I get approved for waste equipment financing with a newer business?
-
How long are loan or lease terms for waste equipment?
-
Can I finance used garbage trucks or roll-off trucks?
-
How fast can I get approved and funded?
-
Does pre-approval affect my credit score?
Waste Equipment Financing Glossary of Common Terms
Understanding the terminology used in waste equipment financing can help you make smarter decisions when buying or leasing garbage trucks, roll-off trucks, dumpster haulers, front loaders, rear loaders, and other refuse vehicles. Whether you’re a small hauling company, a growing waste management operation, or a municipal fleet manager expanding your equipment lineup, this glossary explains the most common terms you’ll encounter in the commercial waste equipment financing process. Use this quick reference guide to navigate programs confidently and choose the best solution for your waste and refuse business.
App-Only Financing
A streamlined financing option where approval is based only on your credit application, without requiring bank statements or tax returns. Ideal for buyers who need fast decisions on garbage trucks, roll-offs, or other waste equipment.
Commercial Waste Truck
Any heavy-duty truck used in residential, commercial, or municipal waste collection. Includes front loaders, rear loaders, side loaders, and automated refuse trucks.
Dumpster Hauler
A truck designed to load, transport, and deliver roll-off dumpsters. Commonly used by junk removal companies, contractors, and commercial haulers.
EFA (Equipment Finance Agreement)
A financing structure that functions similarly to a loan. You make fixed monthly payments and gain full ownership of the waste equipment once the agreement is paid off.
Front Loader
A commercial garbage truck equipped with front-mounted hydraulic forks to lift and empty large commercial dumpsters. Commonly used by waste management companies servicing commercial routes.
Lease Buyout
The option to purchase your leased equipment at the end of the term. Depending on the lease type, the buyout may be a preset amount, a fair market value, or a nominal payment.
Lease-to-Own
A financing hybrid that starts as a lease but ends with ownership after completing all payments. Popular for growing haulers who want predictable costs and eventual equipment ownership.
Rear Loader
A garbage truck designed to pick up waste from the rear using manual labor or automated mechanical arms. Common for municipal and residential waste routes.
Refuse Truck
A general term for garbage trucks that collect and transport waste. Includes front loaders, rear loaders, side loaders, and automated collection vehicles.
Residual Value
The projected value of waste equipment at the end of a lease term. Higher residuals often mean lower monthly payments for the lessee.
Roll-Off Truck
A truck equipped with a hoist and rail system to load and unload roll-off dumpsters of various sizes. Often used for construction debris, large commercial projects, and municipal waste transfer.
Side Loader
A garbage truck that collects residential waste from the side using automated arms. Designed to improve efficiency and reduce manual labor on residential routes.
Soft Credit Pull
A non-impact credit inquiry used during pre-approval. Allows buyers to see financing options without affecting their personal or business credit score.
Transfer Trailer
A large-capacity trailer used to move waste from transfer stations to landfills, recycling facilities, or long-distance processing centers.
Vacuum Truck
A truck equipped with suction and tank systems used to transport liquids, sludge, septic waste, and other specialty materials. Common in environmental and industrial waste operations.
Waste Compactor
An industrial machine mounted on trucks or used at waste sites to compress garbage and reduce hauling frequency. Often financed as part of larger waste equipment packages.
Zero-Down Financing
A financing option that requires no upfront payment for well-qualified buyers. Often available for newer waste equipment or customers with strong credit profiles.
Get the Equipment Financing You Need – Fast, Simple, and Hassle-Free
At TopMark Funding®, we make it easy for owner-operators, fleets, and waste and refuse companies to get the financing they need to grow. Fast approvals, flexible programs, and no hard credit inquiries — because getting your next truck shouldn’t slow you down.